"We are excited to be able to offer this specialized knowledge andexperience in working with banks and bank owned life insurance to the entirenetwork of independent career firms," said Gordon.

According to Brian O'Mara, Managing Partner of Empire Financial Partners,John Ramsey's experience in the insurance business and keen insight into howto work effectively with banks will be a huge asset to the firm locally and toJHFN nationally.

"John has a unique set of skills and knowledge that will help ourfinancial representatives throughout the country to develop relationships withcommunity banks," added Rob Burgio, Associate Managing Partner.

Ramsey Partners, LLC was founded in February 2001 by John C. Ramsey, Esq.to serve the community bank marketplace. With 24 years of experience, Ramseyis a seasoned financial services professional who has been recognizedthroughout his career for building highly successful insurance and financialservices firms. A graduate of New York Law School, Ramsey also has priorexperience with JHFN as the manager of the Youngstown, OH office from 1997 to2001.

"At Ramsey Partners, we view community bankers and local financialservices firms, such as Empire Financial Partners, as cornerstones to servingthe financial needs of individuals and small businesses. We are excited forthis opportunity to support both groups in growing and serving their clients,"said Ramsey.

About John Hancock Financial Network

John Hancock Financial Network (JHFN) is a leader with the stability andscale to offer an innovative business model that gives entrepreneurialfinancial professionals the power to effectively build unique businesses,based on their own vision and market opportunity. JHFN is a national networkof independent career firms with over 1,800 financial professionals across theU.S. For more information on John Hancock Financial Network and its nationalnetwork of independent career firms, visit http://www.jhnetwork.com.

About John Hancock and Manulife Financial

John Hancock is a unit of Manulife Financial Corporation (the Company), aleading Canadian-based financial services group serving millions of customersin 19 countries and territories worldwide. Operating as Manulife Financial inCanada and in most of Asia, and primarily as John Hancock in the UnitedStates, the Company offers clients a diverse range of financial protectionproducts and wealth management services through its extensive network ofemployees, agents and distribution partners. Funds under management byManulife Financial and its subsidiaries were Cdn $385.3 billion (U.S. $363.5billion) as at September 30, 2008. Manulife Financial Corporation trades as'MFC' on the TSX, NYSE and PSE, and under '0945' on the SEHK. ManulifeFinancial can be found on the Internet at http://www.manulife.com.

The John Hancock unit, through its insurance companies, comprises one ofthe largest life insurers in the United States. John Hancock offers a broadrange of financial products and services, including life insurance, fixed andvariable annuities, mutual funds, 401(k) plans, long term care insurance,college savings, and other forms of business insurance. Additional informationabout John Hancock may be found at http://www.johnhancock.com.

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